{"id":39894,"date":"2024-06-25T12:50:59","date_gmt":"2024-06-25T05:50:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=39894"},"modified":"2024-10-01T14:21:59","modified_gmt":"2024-10-01T07:21:59","slug":"3-766-dam-bao-loi-ich-3-ben-cho-bao-hiem-nhan-tho","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/3-766-dam-bao-loi-ich-3-ben-cho-bao-hiem-nhan-tho\/","title":{"rendered":"3.766. \u0110\u1ea3m b\u1ea3o l\u1ee3i \u00edch \u201c3 b\u00ean\u201d cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd"},"content":{"rendered":"<h4><span style=\"color: #723918;\">\u0110\u1ea3m b\u1ea3o l\u1ee3i \u00edch \u201c3 b\u00ean\u201d cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/span><\/h4>\n<h5>(HQ) -Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) v\u1eabn c\u00f2n kh\u00f4ng \u00edt th\u00e1ch th\u1ee9c c\u1ea7n v\u01b0\u1ee3t qua \u0111\u1ec3 gia t\u0103ng ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng, l\u1ea5y l\u1ea1i \u201cphong \u0111\u1ed9\u201d ph\u00e1t tri\u1ec3n. Theo c\u00e1c chuy\u00ean gia, c\u01a1 s\u1edf ph\u00e1p lu\u1eadt \u0111\u00e3 v\u1eefng ch\u1eafc th\u00ec c\u00e1c doanh nghi\u1ec7p c\u1ea7n nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch c\u1ee7a c\u00e1c b\u00ean, nh\u1ea5t l\u00e0 kh\u00e1ch h\u00e0ng trong cung c\u1ea5p s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m.<\/h5>\n<table width=\"840\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid alignnone wp-image-39895 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/Anh1-450x300.jpg\" alt=\"l\u1ee3i \u00edch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\" width=\"450\" height=\"300\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/Anh1-450x300.jpg 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2024\/06\/Anh1.jpg 573w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/td>\n<\/tr>\n<tr>\n<td><em>C\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u00e3 tri\u1ec3n khai nhi\u1ec1u gi\u1ea3i ph\u00e1p \u0111\u1ec3 kh\u00f4i ph\u1ee5c ni\u1ec1m tin kh\u00e1ch h\u00e0ng. \u1ea2nh: ST<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h5><strong>C\u01a1 s\u1edf ph\u00e1p l\u00fd ch\u1eb7t ch\u1ebd<\/strong><\/h5>\n<p>Qua nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2024, ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1eabn c\u00f2n m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n nh\u01b0ng c\u0169ng \u0111\u00e3 v\u00e0 \u0111ang d\u1ea7n quay l\u1ea1i \u0111\u00e0 ph\u1ee5c h\u1ed3i. Theo b\u00e1o c\u00e1o c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m 5 th\u00e1ng \u0111\u1ea7u n\u0103m \u01b0\u1edbc \u0111\u1ea1t 87,8 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, gi\u1ea3m 4,08% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. Nh\u01b0ng t\u00ednh \u0111\u1ebfn h\u1ebft th\u00e1ng 5\/2024, t\u1ed5ng t\u00e0i s\u1ea3n \u01b0\u1edbc \u0111\u1ea1t 948,4 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 8,83% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc.<\/p>\n<p>Ri\u00eang l\u0129nh v\u1ef1c BHNT, theo s\u1ed1 li\u1ec7u c\u1ee7a Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, t\u00ednh \u0111\u1ebfn th\u00e1ng 3\/2024, t\u1ed5ng t\u00e0i s\u1ea3n \u01b0\u1edbc \u0111\u1ea1t h\u01a1n 801,3 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 9,1% so v\u1edbi c\u00f9ng k\u1ef3 n\u1eb1m tr\u01b0\u1edbc. \u0110\u00e1ng ch\u00fa \u00fd, t\u1ed5ng chi tr\u1ea3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m trong qu\u00fd 1\/2024 \u0111\u1ea1t g\u1ea7n 15,5 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 35% so v\u1edbi c\u00f9ng k\u1ef3 2023.<\/p>\n<h6><\/h6>\n<p>Nh\u1eadn x\u00e9t v\u1ec1 vai tr\u00f2 c\u1ee7a BHNT trong n\u1ec1n kinh t\u1ebf, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n, Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd ki\u00eam Tr\u01b0\u1edfng ban Ph\u00e1p ch\u1ebf, Li\u00ean \u0111o\u00e0n Th\u01b0\u01a1ng m\u1ea1i v\u00e0 C\u00f4ng nghi\u1ec7p Vi\u1ec7t Nam (VCCI) b\u00e0y t\u1ecf \u0111\u1ed3ng t\u00ecnh v\u1edbi quan \u0111i\u1ec3m cho r\u1eb1ng BHNT nh\u01b0 \u201ctay v\u1ecbn c\u1ea7u thang\u201d, gi\u00fap ng\u01b0\u1eddi d\u00e2n b\u01b0\u1edbc l\u00ean cao m\u1ed9t c\u00e1ch ch\u1eafc ch\u1eafn h\u01a1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 BHNT n\u00f3i ri\u00eang, ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung mang l\u1ea1i s\u1ef1 an t\u00e2m, gi\u1ea3m r\u1ee7i ro c\u0169ng nh\u01b0 \u0111\u00f3ng g\u00f3p l\u1edbn v\u00e0o c\u00f4ng t\u00e1c an sinh x\u00e3 h\u1ed9i, trong \u0111\u00f3 gi\u00fap \u0111\u1ea3m b\u1ea3o \u0111\u1eddi s\u1ed1ng cho l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng t\u1ea1i c\u00e1c doanh nghi\u1ec7p.<\/p>\n<p>\u0110\u1eb7c bi\u1ec7t, theo c\u00e1c chuy\u00ean gia, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong \u201cki\u1ec1ng 3 ch\u00e2n\u201d cung \u1ee9ng v\u1ed1n cho n\u1ec1n kinh t\u1ebf. T\u00ednh \u0111\u1ebfn th\u00e1ng 5\/2024, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ea7u t\u01b0 tr\u1edf l\u1ea1i n\u1ec1n kinh t\u1ebf \u01b0\u1edbc \u0111\u1ea1t 787,5 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, t\u0103ng 8,69% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. V\u1edbi k\u1ebft qu\u1ea3 n\u00e0y, \u00f4ng \u0110\u1eadu Anh Tu\u1ea5n nh\u1eadn \u0111\u1ecbnh, b\u1ea3o hi\u1ec3m l\u00e0 ng\u00e0nh h\u00e0ng quan tr\u1ecdng, n\u00ean l\u00e0 m\u1ed9t trong s\u1ed1 \u00edt l\u0129nh v\u1ef1c c\u00f3 lu\u1eadt ri\u00eang quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u ki\u1ec7n kinh doanh, \u0111i\u1ec1u \u0111\u00f3 cho th\u1ea5y \u0110\u1ea3ng v\u00e0 Nh\u00e0 n\u01b0\u1edbc \u0111\u1ec1u x\u00e1c \u0111\u1ecbnh r\u00f5 vai tr\u00f2 quan tr\u1ecdng c\u1ee7a l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n<h6><\/h6>\n<p>Hi\u1ec7n nay, khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u1ed3ng b\u1ed9, \u0111\u1ea3m b\u1ea3o m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd c\u00f4ng khai, b\u00ecnh \u0111\u1eb3ng cho c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng tr\u00ean th\u1ecb tr\u01b0\u1eddng. Trong \u0111\u00f3, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2022 c\u00f3 hi\u1ec7u l\u1ef1c thi h\u00e0nh t\u1eeb \u0111\u1ea7u n\u0103m 2023 c\u00f9ng c\u00e1c ngh\u1ecb \u0111\u1ecbnh, th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n \u0111\u1ed3ng b\u1ed9, t\u1ea1o c\u01a1 s\u1edf ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng minh b\u1ea1ch, chuy\u00ean nghi\u1ec7p.<\/p>\n<table style=\"height: 957px;\" width=\"855\">\n<tbody>\n<tr>\n<td>\n<h5><strong>PGS.TS. \u0110o\u00e0n Minh Ph\u1ee5ng, Tr\u01b0\u1edfng Khoa Ng\u00e2n h\u00e0ng v\u00e0 B\u1ea3o hi\u1ec3m, H\u1ecdc vi\u1ec7n T\u00e0i ch\u00ednh: T\u1ea1o s\u1ef1 chuy\u1ec3n bi\u1ebfn t\u1eeb quy \u0111\u1ecbnh ph\u00e1p l\u00fd<\/strong><\/h5>\n<p>C\u00f9ng v\u1edbi n\u1ed7 l\u1ef1c v\u00e0 nhi\u1ec1u gi\u1ea3i ph\u00e1p t\u1eeb c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m th\u00ec c\u01a1 quan qu\u1ea3n l\u00fd m\u00e0 tr\u1ef1c ti\u1ebfp l\u00e0 C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m (B\u1ed9 T\u00e0i ch\u00ednh) \u0111\u00e3 c\u00f3 nhi\u1ec1u s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quan tr\u1ecdng v\u1ec1 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd. Th\u1eddi gian qua, nh\u1eefng b\u1ea5t c\u1eadp c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3n, nh\u1eefng h\u1ea1n ch\u1ebf trong qu\u1ea3n l\u00fd b\u00e1n b\u1ea3o hi\u1ec3m qua k\u00eanh ng\u00e2n h\u00e0ng\u2026 th\u00ec t\u1ea1i c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd nh\u01b0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 46\/2023\/N\u0110-CP c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh chi ti\u1ebft thi h\u00e0nh m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m, Th\u00f4ng t\u01b0 s\u1ed1 67\/2023\/TT-BTC c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh h\u01b0\u1edbng d\u1eabn m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 46 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd, \u0111\u01b0\u1ee3c th\u1ecb tr\u01b0\u1eddng r\u1ea5t \u0111\u00f3n nh\u1eadn.<\/p>\n<p>V\u1ec1 c\u0103n b\u1ea3n, nh\u1eefng s\u1eeda \u0111\u1ed5i, b\u1ed5 sung quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ee7a Nh\u00e0 n\u01b0\u1edbc nh\u1eb1m ch\u1ea5n ch\u1ec9nh ho\u1ea1t \u0111\u1ed9ng b\u00e1n BHNT qua c\u00e1ch k\u00eanh v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi so v\u1edbi c\u00e1c quy \u0111\u1ecbnh c\u0169 th\u1ec3 hi\u1ec7n qua m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u00ednh. Ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c c\u1ea5p ph\u00e9p li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m cho c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c; ti\u1ebfp \u0111\u1ebfn l\u00e0 vi\u1ec7c ph\u00ea duy\u1ec7t s\u1ea3n ph\u1ea9m, r\u1ed3i \u0111\u1ebfn quy tr\u00ecnh b\u00e1n h\u00e0ng, t\u00e0i li\u1ec7u b\u00e1n h\u00e0ng\u2026 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh c\u00f4ng khai, minh b\u1ea1ch c\u1ee7a s\u1ea3n ph\u1ea9m BHNT.<\/p>\n<h6><\/h6>\n<p>Hay v\u1edbi quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn c\u1ea5p ph\u00e9p kinh doanh BHNT, \u0111\u1eb7c bi\u1ec7t l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 th\u00ec \u0111\u00e3 \u0111\u01b0a ra y\u00eau c\u1ea7u cao h\u01a1n v\u1ec1 t\u00e0i ch\u00ednh, nh\u01b0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5 v\u00e0 \u0111\u1ea3m b\u1ea3o bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n ph\u1ea3i \u201ccao h\u01a1n\u201d bi\u00ean kh\u1ea3 n\u0103ng thanh to\u00e1n t\u1ed1i thi\u1ebfu, trong khi quy \u0111\u1ecbnh c\u0169 l\u00e0 \u201ckh\u00f4ng th\u1ea5p h\u01a1n\u201d.<\/p>\n<p>Ngo\u00e0i ra, c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd c\u0169ng \u0111\u01b0a ra nh\u1eefng y\u00eau c\u1ea7u cao h\u01a1n v\u1ec1 vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00f4ng ngh\u1ec7 v\u1edbi c\u00e1c doanh nghi\u1ec7p BHNT, nh\u01b0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u00e1p \u1ee9ng theo d\u00f5i t\u1eebng chi ti\u1ebft giao d\u1ecbch; \u0111\u1ea3m b\u1ea3o k\u1ebft n\u1ed1i d\u1eef li\u1ec7u k\u1ecbp th\u1eddi, ch\u00ednh x\u00e1c gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn trong doanh nghi\u1ec7p; \u0111\u1ea3m b\u1ea3o c\u1eadp nh\u1eadt n\u1ed9i dung th\u00f4ng tin, t\u00ecnh h\u00ecnh qu\u1ef9 li\u00ean k\u1ebft chung tr\u00ean website doanh nghi\u1ec7p trong 5 n\u0103m&#8230; Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y \u0111\u00e3 t\u1ea1o s\u1ef1 chuy\u1ec3n bi\u1ebfn cho ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p.<\/p>\n<h5><strong>\u00d4ng Ng\u00f4 Trung D\u0169ng, Ph\u00f3 T\u1ed5ng Th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam: Tri\u1ec3n khai r\u1ea5t quy\u1ebft li\u1ec7t v\u00e0 \u0111\u00e3 mang l\u1ea1i k\u1ebft qu\u1ea3<\/strong><\/h5>\n<p>Ng\u00e0nh BHNT Vi\u1ec7t Nam \u0111\u00e3 h\u00ecnh th\u00e0nh \u0111\u01b0\u1ee3c 28 n\u0103m. BHNT ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c x\u00e3 h\u1ed9i \u0111\u00e1nh gi\u00e1 cao v\u00e0 mang l\u1ea1i nh\u1eefng gi\u00e1 tr\u1ecb t\u00edch c\u1ef1c khi h\u00e0ng n\u0103m c\u00e1c doanh nghi\u1ec7p BHNT tr\u1ea3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m l\u00ean t\u1edbi h\u00e0ng tr\u0103m ngh\u00ecn t\u1ef7 \u0111\u1ed3ng, \u0111\u1ea7u t\u01b0 tr\u1edf l\u1ea1i n\u1ec1n kinh t\u1ebf\u2026 g\u00f3p ph\u1ea7n ph\u00e1t tri\u1ec3n kinh t\u1ebf &#8211; x\u00e3 h\u1ed9i.<\/p>\n<h6><\/h6>\n<p>Tuy nhi\u00ean, nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y c\u0169ng c\u00f3 ph\u00e1t sinh nh\u1eefng t\u1ed3n t\u1ea1i, h\u1ea1n ch\u1ebf m\u00e0 d\u01b0 lu\u1eadn \u0111\u00e3 ph\u1ea3n \u00e1nh. Trong giai \u0111o\u1ea1n t\u1eeb 2010-2020 c\u00f3 t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n r\u1ea5t cao, nh\u01b0ng t\u1eeb n\u0103m 2021 tr\u1edf \u0111i c\u00f3 d\u1ea5u hi\u1ec7u ch\u1eefng l\u1ea1i. Tuy nhi\u00ean, c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 doanh nghi\u1ec7p \u0111\u00e3 th\u1ef1c hi\u1ec7n nhi\u1ec1u gi\u1ea3i ph\u00e1p nh\u1eb1m mang \u0111\u1ebfn s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 t\u1ed1t nh\u1ea5t, kh\u00f4i ph\u1ee5c ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>C\u1ee5 th\u1ec3 nh\u01b0, c\u1ea3i ti\u1ebfn b\u1ed9 H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng; c\u1ea3i ti\u1ebfn t\u00e0i li\u1ec7u minh h\u1ecda b\u00e1n h\u00e0ng, t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch c\u1ee7a s\u1ea3n ph\u1ea9m; c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 c\u1ea3i ti\u1ebfn c\u00e1c quy tr\u00ecnh nghi\u1ec7p v\u1ee5, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin gi\u00fap vi\u1ec7c th\u1ea9m \u0111\u1ecbnh ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m; gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c nhanh ch\u00f3ng, thu\u1eadn ti\u1ec7n h\u01a1n cho kh\u00e1ch h\u00e0ng; t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n\u2026<\/p>\n<p>C\u00e1c doanh nghi\u1ec7p \u0111\u1ec1u \u0111ang tri\u1ec3n khai r\u1ea5t quy\u1ebft li\u1ec7t v\u00e0 b\u01b0\u1edbc \u0111\u1ea7u \u0111\u00e3 mang l\u1ea1i nh\u1eefng k\u1ebft qu\u1ea3 \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111i ti\u1ebfp \u0111\u01b0\u1ee3c trong th\u1eddi gian t\u1edbi.<\/p>\n<p><em>Minh Chi (ghi)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Th\u1eadm ch\u00ed c\u00f3 chuy\u00ean gia \u0111\u00e3 nh\u1eadn x\u00e9t, nh\u1edd ti\u1ebfp thu kinh nghi\u1ec7m qu\u1ed1c t\u1ebf v\u00e0 t\u1eeb th\u1ef1c ti\u1ec5n th\u1ecb tr\u01b0\u1eddng, c\u00e1c quy \u0111\u1ecbnh do B\u1ed9 T\u00e0i ch\u00ednh ban h\u00e0nh thu\u1ed9c m\u1ed9t trong nh\u1eefng h\u1ec7 th\u1ed1ng ph\u00e1p l\u00fd v\u1ec1 b\u1ea3o hi\u1ec3m ch\u1eb7t ch\u1ebd nh\u1ea5t khu v\u1ef1c. V\u00ec th\u1ebf, c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ch\u1ec9 c\u1ea7n tu\u00e2n th\u1ee7 \u0111\u00fang theo c\u00e1c quy \u0111\u1ecbnh c\u0169ng l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng, ti\u1ebfp t\u1ee5c ph\u00e1t huy vai tr\u00f2 quan tr\u1ecdng trong n\u1ec1n kinh t\u1ebf.<\/p>\n<h5><strong>Th\u1ef1c thi hi\u1ec7u qu\u1ea3 nhi\u1ec1u gi\u1ea3i ph\u00e1p<\/strong><\/h5>\n<p><em>Nh\u1eadn x\u00e9t chung v\u1ec1 th\u1ecb tr\u01b0\u1eddng BHNT, <span style=\"color: #993300;\"><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c,<\/a> <\/span><span style=\"color: #993300;\"><span style=\"color: #000000;\">Gi\u00e1m \u0111\u1ed1c <\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <\/span><strong><span style=\"color: #993300;\"><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/span><\/strong><\/em><em> cho r\u1eb1ng, nh\u1eefng kh\u1ee7ng ho\u1ea3ng v\u00e0o n\u0103m 2023 c\u1ee7a c\u00e1c doanh nghi\u1ec7p BHNT v\u1eeba l\u00e0 th\u00e1ch th\u1ee9c nh\u01b0ng c\u0169ng mang l\u1ea1i c\u01a1 h\u1ed9i \u0111\u1ec3 s\u1edbm kh\u1eafc ph\u1ee5c nh\u1eefng h\u1ea1n ch\u1ebf, qua \u0111\u00f3 kh\u00f4i ph\u1ee5c ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng. V\u1edbi nh\u1eefng k\u1ebft qu\u1ea3 v\u1ec1 kinh doanh, gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m nh\u01b0 hi\u1ec7n nay, <span style=\"color: #993300;\"><a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a><span style=\"color: #0000ff;\">\u00a0<\/span><a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/span>\u00a0cho r\u1eb1ng \u0111\u00e3 c\u00f3 th\u1ec3 \u201cy\u00ean t\u00e2m\u201d v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a l\u0129nh v\u1ef1c n\u00e0y.<\/em><\/p>\n<p>Tuy nhi\u00ean, t\u1eeb g\u00f3c \u0111\u1ed9 doanh nghi\u1ec7p, v\u1eabn c\u00f2n \u0111\u00f3 s\u1ef1 tr\u0103n tr\u1edf \u0111\u1ec3 l\u00e0m sao v\u1eeba c\u00f3 th\u1ec3 kh\u00f4i ph\u1ee5c ni\u1ec1m tin, v\u1eeba gia t\u0103ng s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng. \u00d4ng Nguy\u1ec5n H\u1ed3ng S\u01a1n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Chubb Life Vi\u1ec7t Nam cho r\u1eb1ng, hi\u1ec7n v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c tin t\u01b0\u1edfng v\u00e0 th\u1ea5y BHNT l\u00e0 c\u1ea7n thi\u1ebft n\u00ean v\u1ea5n \u0111\u1ec1 c\u1ee7a c\u00e1c doanh nghi\u1ec7p BHNT l\u00e0 ph\u1ea3i c\u1ee7ng c\u1ed1 h\u01a1n n\u1eefa ni\u1ec1m tin n\u00e0y. C\u00e1c doanh nghi\u1ec7p ph\u1ea3i c\u00f9ng c\u01a1 quan ch\u1ee9c n\u0103ng, c\u01a1 quan truy\u1ec1n th\u00f4ng lan to\u1ea3 th\u00f4ng tin, ni\u1ec1m tin \u0111\u1ebfn b\u1ed9 ph\u1eadn ng\u01b0\u1eddi d\u00e2n c\u00f2n ch\u01b0a d\u00e1m tin.<\/p>\n<h6><\/h6>\n<p>H\u01a1n n\u1eefa, T\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a Chubb Life Vi\u1ec7t Nam c\u0169ng b\u00e0y t\u1ecf, b\u1ea5t k\u1ef3 l\u0129nh v\u1ef1c n\u00e0o c\u0169ng \u0111\u1ec1u li\u00ean quan \u0111\u1ebfn 3 b\u00ean g\u1ed3m: s\u1ea3n xu\u1ea5t, ph\u00e2n ph\u1ed1i v\u00e0 kh\u00e1ch h\u00e0ng. L\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m c\u0169ng v\u1eady. N\u1ebfu th\u1eddi gian tr\u01b0\u1edbc \u0111\u00e3 c\u00f3 s\u1ef1 m\u1ea5t c\u00e2n \u0111\u1ed1i l\u1edbn t\u1edbi kh\u00e1ch h\u00e0ng khi quy\u1ec1n l\u1ee3i kh\u00f4ng \u0111\u01b0\u1ee3c nh\u01b0 nh\u1eefng g\u00ec h\u1ecd hi\u1ec3u v\u00e0 k\u1ef3 v\u1ecdng, d\u1eabn \u0111\u1ebfn kh\u1ee7ng ho\u1ea3ng ni\u1ec1m tin th\u00ec nay c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 duy tr\u00ec c\u00e2n b\u1eb1ng l\u1ee3i \u00edch 3 b\u00ean.<\/p>\n<p>Theo c\u00e1c doanh nghi\u1ec7p, \u0111\u1ec3 c\u00e2n b\u1eb1ng l\u1ee3i \u00edch n\u00e0y, ngo\u00e0i vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh \u0111\u00e3 \u0111\u01b0\u1ee3c c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u01b0a ra th\u00ec ph\u1ea3i c\u00f3 nh\u1eefng c\u1ea3i ti\u1ebfn, c\u1ea3i thi\u1ec7n trong cung c\u1ea5p d\u1ecbch v\u1ee5 c\u0169ng nh\u01b0 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng. Hi\u1ec7n nhi\u1ec1u doanh nghi\u1ec7p BHNT \u0111\u00e3 c\u1ea3i ti\u1ebfn quy tr\u00ecnh nghi\u1ec7p v\u1ee5 gi\u00fap th\u1ea9m \u0111\u1ecbnh ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m nhanh ch\u00f3ng; \u0111\u1ed3ng th\u1eddi n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng \u0111\u1ed9i ng\u0169 t\u01b0 v\u1ea5n, t\u0103ng c\u01b0\u1eddng ki\u1ec3m so\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u01b0 v\u1ea5n. Ngo\u00e0i ra, tr\u00ean th\u1ecb tr\u01b0\u1eddng, c\u00e1c doanh nghi\u1ec7p BHNT c\u0169ng \u0111\u00e3 cho ra m\u1eaft nhi\u1ec1u gi\u1ea3i ph\u00e1p \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 4.0 \u0111\u1ec3 minh b\u1ea1ch ho\u00e1, hi\u1ec7n \u0111\u1ea1i ho\u00e1 h\u01a1n.<\/p>\n<h6><\/h6>\n<p>B\u00e0 Tina Nguy\u1ec5n, T\u1ed5ng gi\u00e1m \u0111\u1ed1c Manulife Vi\u1ec7t Nam cho bi\u1ebft, 5 tr\u1ecdng t\u00e2m trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a doanh nghi\u1ec7p l\u00e0 nghi\u00eam t\u00fac tu\u00e2n th\u1ee7 lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m m\u1edbi, t\u0103ng c\u01b0\u1eddng t\u00ednh minh b\u1ea1ch c\u1ee7a s\u1ea3n ph\u1ea9m, t\u0103ng c\u01b0\u1eddng t\u00ednh chuy\u00ean nghi\u1ec7p c\u1ee7a \u0111\u1ed9i ng\u0169 c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i, li\u00ean t\u1ee5c c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, \u0111\u1ed3ng th\u1eddi ph\u1ed1i h\u1ee3p c\u00f9ng c\u00e1c ban ng\u00e0nh, c\u00f4ng ty b\u1ea1n \u0111\u1ec3 x\u00e2y d\u1ef1ng th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng. Trong \u0111\u00f3, Manulife cho ra m\u1eaft quy tr\u00ecnh x\u00e1c th\u1ef1c th\u00f4ng tin v\u00e0 gi\u00e1m s\u00e1t ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m M-Pro, t\u1eeb \u0111\u00f3 cho ph\u00e9p c\u00f4ng ty \u0111\u00e1nh gi\u00e1 \u0111\u1ed9c l\u1eadp n\u1ed9i dung t\u01b0 v\u1ea5n c\u1ee7a \u0111\u1ea1i l\u00fd thu\u1ed9c t\u1ea5t c\u1ea3 k\u00eanh ph\u00e2n ph\u1ed1i tr\u01b0\u1edbc khi ph\u00e1t h\u00e0nh h\u1ee3p \u0111\u1ed3ng, \u0111\u1ea3m b\u1ea3o 100% kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ch\u00ednh x\u00e1c.<\/p>\n<h6><\/h6>\n<p>T\u01b0\u01a1ng t\u1ef1, C\u00f4ng ty B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd FWD Vi\u1ec7t Nam \u0111\u00e3 ch\u00ednh th\u1ee9c ra m\u1eaft t\u00ednh n\u0103ng &#8220;ch\u00fa th\u00edch thu\u1eadt ng\u1eef b\u1ea3o hi\u1ec3m t\u1ee9c th\u1eddi&#8221; tr\u00ean website, gi\u00fap kh\u00e1ch h\u00e0ng \u0111\u1ecdc hi\u1ec3u c\u00e1c th\u00f4ng tin b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng h\u01a1n. Generali Vi\u1ec7t Nam \u0111\u00e3 ra m\u1eaft b\u1ed9 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m phi\u00ean b\u1ea3n th\u00e2n thi\u1ec7n m\u00f4i tr\u01b0\u1eddng, c\u00f9ng c\u00f4ng c\u1ee5 \u0111\u1ecbnh danh v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed; Dai-i-chi cho ra m\u1eaft d\u1ecbch v\u1ee5 Voicebot 24\/7 v\u00e0 Chatbot 24\/7 \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng\u2026 Ngo\u00e0i ra, c\u00e1c doanh nghi\u1ec7p BHNT c\u0169ng \u0111ang n\u1ed7 l\u1ef1c m\u1edf r\u1ed9ng k\u00eanh ph\u00e2n ph\u1ed1i m\u1edbi, h\u1ed7 tr\u1ee3 \u0111\u1ea1i l\u00fd\u2026 \u0111\u1ec3 k\u1ef3 v\u1ecdng ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng v\u00e0 l\u1ea5y l\u1ea1i ni\u1ec1m tin kh\u00e1ch h\u00e0ng.<\/p>\n<p>Theo nghi\u00ean c\u1ee9u v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n kinh t\u1ebf do Prudential v\u00e0 PwC Vi\u1ec7t Nam th\u1ef1c hi\u1ec7n, nhu c\u1ea7u v\u1ec1 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m t\u0103ng khi kinh t\u1ebf t\u0103ng tr\u01b0\u1edfng, v\u00ec th\u1ebf t\u0103ng tr\u01b0\u1edfng b\u1ea3o hi\u1ec3m c\u00f3 t\u01b0\u01a1ng quan v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf. Ti\u1ec1m n\u0103ng th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ee7a Vi\u1ec7t Nam \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00e1c s\u00e1ng ki\u1ebfn c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, trong \u0111\u00f3 b\u1ea3o hi\u1ec3m s\u1ed1 c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng 18% d\u00e2n s\u1ed1 \u0111\u1ebfn n\u0103m 2030, \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.<\/p>\n<p><strong>H\u01b0\u01a1ng D\u1ecbu<\/strong><\/p>\n<p><em>&#8212;&#8212;&#8212;&#8212;-<\/em><\/p>\n<p><strong><em>H\u1ea3i quan (S\u1ef1 ki\u1ec7n \u2013 V\u1ea5n \u0111\u1ec1) 25-6-2024:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/haiquanonline.com.vn\/dam-bao-loi-ich-3-ben-cho-bao-hiem-nhan-tho-187245-187245.html\">https:\/\/haiquanonline.com.vn\/dam-bao-loi-ich-3-ben-cho-bao-hiem-nhan-tho-187245-187245.html<\/a> <\/em><\/p>\n<p><em>(95\/2.185)<\/em>","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ea3m b\u1ea3o l\u1ee3i \u00edch \u201c3 b\u00ean\u201d cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (HQ) -Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) v\u1eabn c\u00f2n kh\u00f4ng \u00edt th\u00e1ch th\u1ee9c c\u1ea7n v\u01b0\u1ee3t qua \u0111\u1ec3 gia t\u0103ng ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng, l\u1ea5y l\u1ea1i \u201cphong \u0111\u1ed9\u201d ph\u00e1t tri\u1ec3n. Theo c\u00e1c chuy\u00ean gia, c\u01a1 s\u1edf ph\u00e1p lu\u1eadt \u0111\u00e3 v\u1eefng ch\u1eafc th\u00ec c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":39895,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,26],"tags":[51,36],"class_list":["post-39894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-binh-luan-gop-y","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.766. \u0110\u1ea3m b\u1ea3o l\u1ee3i \u00edch \u201c3 b\u00ean\u201d cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) v\u1eabn c\u00f2n kh\u00f4ng \u00edt th\u00e1ch th\u1ee9c c\u1ea7n v\u01b0\u1ee3t qua. 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